Why it is necessary to be careful with these debit cards?

The cards provided by bank these days are called as EMV cards which are modern gen cards which comes for both credit and debit card.

EMV is a technical standard for smartpayment cards and for payment terminals and automated teller machines that can accept them. EMV cards are smart cards (also called chip cards or IC cards) that store their data on integrated circuits in addition to magnetic stripes (for backward compatibility). These include cards that must be physically inserted (or “dipped”) into a reader and contactless cards that can be read over a short distance using radio-frequency identification (RFID) technology. Payment cards that comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer.

EMV stands for Europay, MasterCard, and Visa, the three companies that originally created the standard. The standard is now managed by EMVCo, a consortium with control split equally among Visa, MasterCard, JCB, American Express, China UnionPay, and Discover.[1]

There are standards based on ISO/IEC 7816 for contact cards, and standards based on ISO/IEC 14443 for contactless cards (MasterCard Contactless, PayWave, ExpressPay).

The most widely known chip card implementations of the EMV standard are

  • VIS – Visa
  • Master/Chip – MasterCard
  • AEIPS – American Express
  • UICS – China Union Pay
  • J Smart – JCB
  • D-PAS – Discover/Diners Club International.

Source : Wikipedia



Unlike the other debit cards (the typical one given below)


These typical cards will not be accepted by any of the international currency transactions unlike the credit cards. It means you cannot enroll these cards for your Google Wallet, Google Playstore, Apple Music, Apple Appstore etc..

These all services requires a credit card or EMV card (Most of them will not say that they support EMV card but believe me most of them does).


The reason why they are not mentioning is that they could get the subscription fee easily through the credit card or their tie up banks can also do favour for these companies or may be some other reason but what we doesn’t know about the EMV cards are that they also have the 3D Secure Transaction but they will not work when you are using the emv card with these kind of subscriptions.

So in the typical debit cards whenever you start a online transaction it will take you to your card providers webpage to enter a password or OTP (One Time Password) or ATM pin. Even on EMV cards that part is there but it’ll be skipped if you are using the EMV card for Apple Music or similar things. So your card credentials are crucial for the EMV cards.


So it is easy for an attacker to build a system like Apple Music or Google playstore to wipe all your money from your bank account or until the transaction limits reach.


For starters, keep your cards safe.

Never tell anyone your card number, CVV or Security Code (3 digit on back of your card) and expiration date/year. These credentials are really necessary to be kept safe. And it’s not a good idea to step down to a typical debit card because you are downgrading that’s not a good way of securing yourself. These are next gen cards made for better, simple and easy transactions and also to keep track of things. So If you are one of the fellow having an EMV card keep your credentials safe. Do not think that the 3D Secure Transaction is enabled on your card believe me it’ll let you down on speaking of services mentioned above. As India is going towards cashless these are really necessary to know about the card you have in your wallet.


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